What do you think of this?😅

Idea: we should have a debit score(somewhat similar to credit score) to open a bank account and deposit money, this account checks if there are any irregularities in transactions like if the customers are earning money in illegal ways or partnering them by becoming benamies etc. This debit score decides the interest rate he gets on deposits and other schemes. If the debit score is excellent the customer gets high interest rate on deposits etc The debit score decreases for following reasons huge physical cash withdrawals , disproportionate investment in real estate , gold , shares etc with respect Income tax the customer pays and property tax they pay. And also making huge transactions with someone with a low debit score also decreases debit score (that includes selling a piece of land or gold) Banks can also refuse someone to open an account based on debit score. A bank may open a bank account with a low debit score provided it reports and let ACB track the transactions Edit: I mentioned gold and land because of most the black money goes there in India. Debit score is not applicable to people who deposit less than 5 lakhs an year